IFSC Code of Axis Bank, Edappally, Kochi, Kerala- UTIB0003197

The IFSC Code is a very important number used in India for digital banking and online money transfers that ensures seamless and accurate fund transfers. In case you are sending money through NEFT, RTGS, or IMPS, the bank requires you to enter the correct IFSC Code to route your payment to the right branch. If you are searching for the IFSC Code of Axis Bank for its Edappally branch in Ernakulam, Kochi, Kerala, this complete guide will provide you with detailed information.

The banking system in India has changed over the years, and today customers of Axis Bank located in Ernakulam or anywhere in Kerala can transfer funds instantly by using the correct IFSC Code UTIB0003197. Knowing how the IFSC Code works will help you stay informed and avoid transfer issues.

Details of IFSC Code for Axis Bank, Edappally, Ernakulam

Here are some of the key details that come with the IFSC Code UTIB0003197 of Axis Bank for its branch located in Ernakulam, within the district of Kochi in the state of Kerala.

These details are essential not only for online banking users but also for businesses and individuals who use Axis Bank in Ernakulam for day-to-day financial transactions. If you are depositing money, sending payments, or conducting commercial transfers, the IFSC Code UTIB0003197 for the Edappally branch of Axis Bank plays an important role.

What Is IFSC Code and Why Is It Important?

IFSC stands for Indian Financial System Code, an 11-character alphanumeric code provided by the Reserve Bank of India. Every bank branch, along with Axis Bank located in Edappally, Ernakulam, Kerala, are given a unique IFSC like UTIB0003197 to ensure that online payments reach the right destination.

The IFSC Code is important because:

• It clearly tells which bank branch it is in Ernakulam.
• It helps NEFT, RTGS, and IMPS systems route the transfer securely.
• It prevents any kind of confusion between different branches of the same bank in places like Ernakulam and Kochi.
• It reduces errors in fund transfers and improves accuracy.
• It helps the sender banks to validate and confirm branch details before processing payments.

It helps ensure that any money sent to Axis Bank in Edappally goes to the correct branch. This is important because Axis Bank has thousands of branches in Kerala and all over India, and the IFSC Code prevents payments from going to the wrong place.

Format of the IFSC Code UTIB0003197

The format of the IFSC Code for banks, including Axis Bank, follows an 11-character structure:

AAAA0CCCCCC

Here's the breakdown:

• First 4 characters (AAAA): Show the bank code. For Axis Bank, these letters represent the bank's short name.
• 5th character: Is always zero and is kept for future use.
• Last 6 characters (CCCCCC): Represent the specific branch code assigned to branches such as Edappally in Ernakulam.

For example, the IFSC Code UTIB0003197 of Axis Bank for the Edappally branch includes these elements, identifying the bank and the branch location in Ernakulam and Kerala accurately.

How to Find IFSC Code for Axis Bank?

To find the IFSC Code UTIB0003197 of Axis Bank for its Edappally branch located in Ernakulam, the following methods can help you out:

Cheque Book

The cheque book issued by Axis Bank includes the IFSC Code printed on each cheque leaf. You can easily spot the code on the top section.

Passbook

Most banks, including Axis Bank branches in Ernakulam and Kochi, print the IFSC and MICR codes on the first page of the passbook.

Bank Website

Visit the official website of Axis Bank and go to the branch locator section. Then search for Edappally or Ernakulam to find the exact IFSC Code UTIB0003197.

Mobile Banking App

If you use Axis Bank's mobile app, you can check your account details to find your branch's IFSC code.

RBI Website

The Reserve Bank of India maintains an updated database of all IFSC codes. Searching for Axis Bank and Ernakulam will provide accurate information.

How to Use IFSC Code UTIB0003197 for Online Transfers?

If you have the IFSC Code UTIB0003197 for the Edappally branch of Axis Bank in Ernakulam, you can easily go ahead with fund transfers using any digital method:

NEFT

Add beneficiary details including the name, account number, and IFSC Code UTIB0003197. Transfers are processed in batches. Suitable for personal and business payments.

RTGS

Used for high-value payments above ₹2 lakh. Real-time settlement using the IFSC Code of the recipient branch.

IMPS

Instant 24×7 transfers. Asks for the recipient's account details and Axis Bank IFSC Code UTIB0003197.

Whatever method you choose, the accuracy of the IFSC Code is important and needed. In case there is any mistake in entering the IFSC Code for Axis Bank Edappally in Ernakulam, it may result in delayed or failed transactions.

Finding the MICR Code

MICR codes are used for check clearances and are not the same as IFSC codes. If you are searching for the MICR code of Axis Bank in Edappally, you can find it by any of the following ways:

• Check the bottom of your cheque leaf.
• Go to the first page of your passbook.
• Visit the official Axis Bank website.
• Search the RBI portal.

Having both IFSC and MICR codes helps account holders in Ernakulam manage online transfers as well as cheque clearances with ease.